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Joaninha is married. She runs a general store to help generate income for her family. Joaninha opened her store in 2009 with her own working capital of 600 USD.

Joaninha is requesting a 1,500 USD loan to buy stocks to keep in her store such as Sprite, beer, bread, cigarettes, and shampoo, along with a refrigerator. She is a hardworking woman who hopes to run a bigger business in the future. Joaninha is happy for this loan that is offered to poor people to improve their future living conditions.

Additional Information

More information about this loan

This loan is part of TRM’s effort to reach microentrepreneurs in East Timor, a region suffering from a deeply underdeveloped financial sector. Since its independence in 2002, East Timor has struggled with internal tensions which led to the quasi disappearance of its financial system. As of 2012, TRM is one of only two MFIs operating in East Timor trying to respond to the needs of thousands of microentrepreneurs. This loan provides underserved borrowers with critical capital to sustain their existing businesses. 

Information about TRM

Tuba Rai Metin (TRM) is a microfinance institution in East Timor, one of the smallest, newest and least developed countries in Southeast Asia. The organization provides credit, savings and micro-insurance services to more than 7,000 clients. Its goal is to extend its reach into even more remote regions through branchless banking services.


About Timor-Leste

  • $3,100
    Average annual income
  • 0
    View loans »
    Timor-Leste Loans Fundraising
  • $1,514,050
    Funds lent in using Kiva
  • US Dollars
    Loan transacted in USD
Paying Back

This loan has been fully funded!

A loan of $1,500 helped Joaninha to buy beer, bread, cigarettes, shampoo, and a refrigerator.
66% repaid
Repayment Term
27 months (Additional Information)
Repayment Schedule
Oct 25, 2013
Nov 10, 2013
Currency Exchange Loss: